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ozinsure60
 Budget Direct Insurance
Owned By: Commonwealth Bank of Australia Underwritten By: Commonwealth Insurance Limited (CIL)

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CommInsure is a leader in the Australian insurance industry and part of the Commonwealth Bank Group which founded in 1911 and today operates all around the world employing 38,000 people. The CommInsure name was first introduced in 1999. Although the name is relatively new, CommInsure’s roots within the Australian insurance industry go back well over one hundred years CommInsure helps protect the lifestyles of Australians.

CommInsure’s Car Insurance cover can be customised to minimise inconvenience and disruptions if your car is damaged or stolen. CommInsure offer an extensive range of straightforward insurance solutions at affordable premiums with a fresh approach through innovation, simplicity, competitive products and responsive service.

Source: CBA

Comprehensive Motor
Owned by:
Commonwealth Bank of Australia
Underwritten by:
Commonwealth Insurance Limited (CIL)
Owner of Underwriter:
CBA
Pay by the Month:
Yes
Cooling off period:
14 days
24 Hour help line:
Yes
Sum Insured:
Market or Agreed
NCB preserved - if at fault:
Only if you have NCD Protection
NCB preserved - if not at fault:
Yes
Rating 1 Protection:
Optional
Maximum No claim bonus:
70%
Uninsured Motorist Cover:
Full Cover
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
$5000
Legal Costs:
Yes (settling or defending claim)
Substitute Vehicle Cover:
3rd Party Property (14 days only)
Cover if driver not nominated:
Yes
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
No
New Car Replacement:
2 years old
Essential Repairs:
$500
Emergency Accommodation &/or Transport:
$800 ($400 each, +200km for the accomodation)
Recovery, towing and storage after accident:
Towing & Storage
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
$500
Baby Captual & Child Seat:
$400
Trailer cover available:
$1000
Relacement Keys:
$1000
Rental car following theft:
$75 per day ($1050 total)
Rental car after accident:
Optional
Restricted Driver Discounts:
Yes (+30 years)
Windscreen Excess Reduction:
Optional
Variable excess to reduce premium:
Yes
Remove excess for a fee:
Yes
Third Party Property Motor
Owned by:
Commonwealth Bank of Australia
Underwritten by:
Commonwealth Insurance Limited (CIL)
Owner of Underwriter:
CBA
Pay by the Month:
Yes
Cooling off period:
14 days
24 Hour help line:
Yes
Sum Insured:
Market (max $8000)
NCB preserved - if at fault:
N/A (only comprehensive)
NCB preserved - if not at fault:
N/A (only comprehensive)
Rating 1 Protection:
N/A (only comprehensive)
Maximum No claim bonus:
N/A (only comprehensive)
Uninsured Motorist Cover:
$4000
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
$5000
Legal Costs:
Yes (settling or defending claim)
Substitute Vehicle Cover:
3rd Party Property (14 days only)
Cover if driver not nominated:
Yes
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
No
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
No
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
No
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
No
Remove excess for a fee:
Yes
Third Party Property (Fire & Theft) Motor
Owned by:
Commonwealth Bank of Australia
Underwritten by:
Commonwealth Insurance Limited (CIL)
Owner of Underwriter:
CBA
Pay by the Month:
Yes
Cooling off period:
14 days
24 Hour help line:
Yes
Sum Insured:
Market (max $8000)
NCB preserved - if at fault:
N/A (only comprehensive)
NCB preserved - if not at fault:
N/A (only comprehensive)
Rating 1 Protection:
N/A (only comprehensive)
Maximum No claim bonus:
N/A (only comprehensive)
Uninsured Motorist Cover:
$4000
Maximum Claims for one event:
$20,000,000
Public liability cover available:
Yes
Death:
$5000
Legal Costs:
Yes (settling or defending claim)
Substitute Vehicle Cover:
3rd Party Property (14 days only)
Cover if driver not nominated:
Yes
Ability to choose repairer:
Yes
Lifetime guarantee on repairs:
No
New Car Replacement:
No
Essential Repairs:
No
Emergency Accommodation &/or Transport:
No
Recovery, towing and storage after accident:
Towing & Storage
Accident Clean Up:
No
Personal effects covered in Collision &/or theft:
No
Baby Captual & Child Seat:
No
Trailer cover available:
No
Relacement Keys:
No
Rental car following theft:
No
Rental car after accident:
No
Restricted Driver Discounts:
No
Windscreen Excess Reduction:
No
Variable excess to reduce premium:
No
Remove excess for a fee:
Yes
Excess
Years to Rating 1
6 Years (A1)
Basic Excess
TAS/WA/SA: $350, VIC/QLD: $500, NSW: $600
<25 years old
TAS: $350, VIC: $400, NSW/WA/SA/QLD: $500
Licensed <2 years
WA/SA/QLD: $250, VIC: $400, TAS: $450, NSW: $600
<25 & Not Nominated
TAS: $450, SA/WA: $500, NSW/VIC/QLD: $1200
Variable Excess
Yes (only comprehensive)
Remove Excess
Yes
No Claims Discount (ncd)
Rating 3
45%
Not your Fault (no-fault)
No change
Rating 4
35%
Your Fault (at-fault)
Downgrade NCD if you don't hold NCD protection
Rating 5
25%
NCD Protection
Optional
Rating 6
Zero (0%)
Rating A1
70%
Rating 1
65%
Rating 2
55%